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Upturn AI SWOT - About
OSBC 
Old Second Bancorp Inc (OSBC)
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Upturn Advisory Summary
09/16/2025: OSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21.75
1 Year Target Price $21.75
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.46% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 949.81M USD | Price to earnings Ratio 9.86 | 1Y Target Price 21.75 |
Price to earnings Ratio 9.86 | 1Y Target Price 21.75 | ||
Volume (30-day avg) 6 | Beta 0.85 | 52 Weeks Range 14.04 - 19.32 | Updated Date 09/16/2025 |
52 Weeks Range 14.04 - 19.32 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.26% | Basic EPS (TTM) 1.83 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.67% | Operating Margin (TTM) 42.56% |
Management Effectiveness
Return on Assets (TTM) 1.47% | Return on Equity (TTM) 12.51% |
Valuation
Trailing PE 9.86 | Forward PE 8.6 | Enterprise Value 937848448 | Price to Sales(TTM) 3.37 |
Enterprise Value 937848448 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 3.65 | Enterprise Value to EBITDA - | Shares Outstanding 52650400 | Shares Floating 50571248 |
Shares Outstanding 52650400 | Shares Floating 50571248 | ||
Percent Insiders 4.73 | Percent Institutions 63.55 |
Upturn AI SWOT
Old Second Bancorp Inc
Company Overview
History and Background
Old Second Bancorp Inc. was founded in 1871 and is headquartered in Aurora, Illinois. It has grown through organic expansion and strategic acquisitions, providing community banking services across northern Illinois.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, deposit services, and cash management solutions to businesses.
- Retail Banking: Offers consumer banking services, including checking and savings accounts, mortgages, auto loans, and credit cards to individuals.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
James Eccher serves as the CEO. The company has a traditional corporate structure with executive leadership overseeing key business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and real estate financing. Market share information specific to Old Second's commercial loan market is difficult to precisely ascertain without access to confidential industry reports, but it competes with larger national and regional banks. Competitors include JPMorgan Chase, BMO Harris Bank, and Fifth Third Bank. This loan portfolio has the highest revenue generation.
- Mortgage Loans: Provides residential mortgage loans for home purchases and refinancing. Market share in the mortgage market is moderate, competing with national mortgage lenders and other regional banks. Competitors include Guaranteed Rate, Rocket Mortgage, and local credit unions. It ranks 4th in its region for loans sold.
- Deposit Accounts: Offers checking, savings, and money market accounts to consumers and businesses. The total deposit amount as of the last annual report is $3.8 billion. Competitors include Chase, Bank of America, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Consolidation is ongoing, and banks are investing in technology to enhance customer experience.
Positioning
Old Second Bancorp Inc. is a community-focused regional bank. Its competitive advantages include strong local relationships and personalized customer service.
Total Addressable Market (TAM)
The TAM for banking services in northern Illinois is estimated to be in the billions of dollars. Old Second is positioned to capture a portion of this market through its community-focused approach. Specific numbers depend on the types of banking services considered, ranging from $5B-$15B for Illinois, positioning Old Second well to target local customers in a market they understand.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diverse product offerings
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on traditional banking models
- Lower brand recognition compared to national brands
Opportunities
- Expanding into new markets through acquisitions
- Investing in digital banking platforms
- Growing wealth management business
- Increasing commercial lending activities
Threats
- Rising interest rates
- Increased regulatory burdens
- Competition from fintech companies
- Economic downturn in the region
Competitors and Market Share
Key Competitors
- JPM
- WFC
- KEY
Competitive Landscape
Old Second has a competitive advantage in smaller markets with stronger local relationships. National banks dominate larger markets.
Major Acquisitions
West Suburban Bancorp, Inc.
- Year: 2018
- Acquisition Price (USD millions): 297
- Strategic Rationale: Increased market share in the western suburbs of Chicago and enhanced commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, driven by organic growth and acquisitions.
Future Projections: Analyst estimates project continued moderate growth in revenue and earnings, driven by expansion in key markets and increased lending activity.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of commercial lending services.
Summary
Old Second Bancorp Inc. is a stable, community-focused regional bank with a solid history. Its strengths lie in local relationships and diversified product offerings, but it faces challenges from larger banks and fintech companies. Strategic investments in technology and targeted acquisitions could drive future growth, but economic downturns and regulatory changes are potential threats. They have to be careful regarding larger competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (EDGAR)
- Company Website
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old Second Bancorp Inc
Exchange NASDAQ | Headquaters Aurora, IL, United States | ||
IPO Launch date 1995-08-18 | President, CEO & Chairman of the Board Mr. James L. Eccher | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 877 | Website https://www.oldsecond.com |
Full time employees 877 | Website https://www.oldsecond.com | ||
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company offers deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products, such as commercial and industrial loans; commercial real estate loans; multifamily loans; construction and development loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity lines of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; lease financing receivables and overdraft checking; and safe deposit operations. In addition, the company provides online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. The company was founded in 1871 and is headquartered in Aurora, Illinois.
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